First State Bank of the Florida Keys respects the privacy of our customers and former customers. We consider any personal information you supply to us to be confidential, and we are committed to using this information solely for the purpose of providing you with superior services and products.
With respect to the privacy of children, to comply with the Children's Online Privacy Protection Act (COPPA), First State Bank of the Florida Keys does not knowingly request or retain personally identifiable information from consumers under the age of thirteen. The Bank's website is not directed to individuals under the age of thirteen (13), the Bank requests that individuals under the age of 13 do not provide Personal Information through the website and if they are a child under 13 years of age, to please show to their parents, and do not use the online services of this institution without disclosure to and consent from their parents.
At First State Bank of the Florida Keys, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.
- Protect yourself from fraudulent Web sites and e-mails.
- Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one. The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
- Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious e-mail representing itself as First State Bank, please forward the message in it's entirety to Support@KeysBank.com.
- Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
- Limit internet access for business computers to websites approved for business use and block all other websites.
- Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
- Monitor your account activity frequently using our free Online and Mobile Banking services.
- Sign up for free E-Statements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
- Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
We encourage you to review our Security & Privacy links, which can be found at the bottom of any page of our www.KeysBank.com website. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 305-296-8535 or toll free at 1-866-298-1858 or via e-mail at Support@KeysBank.com.
Online privacy for both customers and visitors is a responsibility that First State Bank of the Florida Keys takes very seriously. We gather information for a variety of reasons such as site management, marketing, surveys, security, and for the purposes described below.
Specific Information We Collect
- Previous URL you visited
- Referring site and keywords
- Site navigation, pages you visited, time you spent on pages
- Polls, surveys on our site
How We Use Information
- Maintain a secure session.
- Authenticate your computer.
- Detect potentially fraudulent transactions.
- Verify transactions.
- Provide technical assistance.
- Tailor the content we display to you on KeysBank.com.
- Resolve performance issues.
- Improve search engine placement.
- Improve website navigation
- Offer solutions that match your interests and needs.
- Follow up on transactions you initiate.
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In order to protect customers from debit card fraud and reduce unauthorized charges, First State Bank of the Florida Keys uses a sophisticated behavioral scoring system to closely monitor all debit card transactions.
As a result, some debit card transactions may be blocked by the system if any unusual or suspicious activity is detected on a customer’s account. Additionally, debit card related transactions may be blocked by specific retail categories, like liquor stores and gas stations, or by location, such as specific states or countries where fraudulent activity is suspected. I. Blocked Cards:
REMEMBER - Debit cards can be used 2 ways, as a signature CREDIT purchase or as a DEBIT purchase, which requires a PIN (Personal Identification Number) to complete the transaction. If a signature CREDIT purchase does not receive authorization, customers should try using the DEBIT PIN as a secure way of completing the transaction.
If a debit card transaction has been rejected, customers should consider taking the following actions:
1. Try using the PIN (Personal Identification Number) to complete the transaction.II. Information:
2. Try using the debit card at an ATM using the secure PIN.
3. Call or Visit one of our Keyswide branches for assistance.
1. If any unusual activity occurs that is suspected of being fraudulent, the Bank will attempt to contact the customer to verify the transaction(s). III. Protect & Minimize Risk:
2. If we can not reach the customer, the card will be limited to PIN-based only transactions, allowing the customer to make purchases or withdrawals only when using the secure PIN.
3. Transactions that are blocked for fraud by retail classification (e.g. liquor stores) or by location are typically only blocked for signature-based transactions, allowing the customer to complete the purchase using a secure PIN.
4. If customers are contacted and verify that the charges are legitimate, the debit card will be unblocked to resume normal purchase activity.
a. If the customer verifies that the charges are not legitimate at the time we make contact, First State Bank of the Florida Keys reserves the right to inactivate the debit card and issue a new card. 5. If a debit card is blocked for fraudulent activity, every attempt will be made to contact the customer. Therefore, customers should ensure that the Bank has current home, work, and cell phone numbers as well as e-mail address on file.
a. Customers can update contact information by signing in to Online Banking and clicking the “Address Change” tab in the left-hand navigation under the “Services” category.
1. Notify the Bank of any upcoming travel plans or large/unusual purchases.Back to top
2. Always carry a secondary method of payment, such as a credit card or cash.
3. If the PIN is compromised or knowledge of the PIN is suspected, change the PIN at any First State Bank of the Florida Keys Branch ATM.
Debit & ATM cards are a convenient way to make purchases & manage your finances, but it's important to keep your money secure!
As a special service to protect your account(s), First State Bank of the Florida Keys reserves the right to restrict card use for risky activities & suspicious geographic regions around the world.
- Create a unique PIN.
- Keep your PIN confidential. Memorize it, don't write it down.
- Conceal your PIN from onlookers when entering at an ATM or terminal.
- Never disclose your PIN to anyone. The Bank will never ask for your PIN.
- Store your card in a secure location & never lend it to anyone.
- Report missing or stolen cards immediately at 1(800) 554-8969.
- Always take your card & receipt after completing a transaction.
- Review your bank statements regularly & report discrepancies immediately.
Pick up your FREE copy of our "Avoid Identity Theft" brochure at any First State Bank Office Today!
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The Federal Trade Commission estimates that as many as nine million Americans have their identities stolen annually, costing millions of dollars. Identity Theft occurs when someone takes personal information and uses it to commit fraud and other crimes.
Help reduce your risk of Identity Theft with these seven steps:
Identity Theft Presentation
- Guard your Social Security number, passwords, personal identification numbers (PINs), checks, bills and mail.
- Shred receipts, credit solicitations, cancelled checks and any financial documents.
- Utilize unique passwords on all accounts and memorize them.
- Review all financial statements carefully and immediately report any unauthorized use.
- Never give out personal or financial information on the phone, through the mail, or on the internet unless you've initiated contact and are confident of the source.
- Reduce the number of credit cards you carry and cancel unused cards.
- Review your credit report regularly.
View Printable Brochure on Identity Theft Back to top
If you are a victim of Identity Theft, the following steps should be taken immediately:
Remember to record all details of your conversations and retain copies of all correspondence.
- Contact all three major credit bureaus. Place a fraud alert or credit freeze on your credit reports and request a free copy of your report to review.
- Close any invalid or tainted accounts.
- File a complaint with the Federal Trade Commission.
- File a report with your local police department.
- Contact your financial institution(s).
- Report any fraudulent investment activity to the Securities & Exchange Commission.
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Federal Trade Commission Identity Theft Hotline
Federal Deposit Insurance Corporation (FDIC)
For questions regarding FDIC insurance coverage on your account: fdic.gov/edie/index.html
Social Security Fraud Hotline
United States Postal Service
Securities & Exchange Commission
Identity Theft Resource Center
Fighting Back Against Identity Theft - Federal Trade Commission
ID Theft Info from Consumer Confederation of AmericaView Printable Brochure on Identity Theft
Federal Communications CommissionBack to top
FCC Smartphone Security Checker:
General Smartphone Security Checklist:
Federal Trade Commission
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First State Bank of the Florida Keys understands that the security of your personal and financial information is important to you. To assist us in offering these Online Banking services in a secure manner, we utilize several measures which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information. Learn More...Back to top